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GNUCash supports QFX and OFX, but banks seem unprepared to actually support an API endpoint like that. End result: Mint and whatever systems my retirement funds started using to 'plan your retirement' ask for username and passwords to other accounts. A rare few banks allow for OAuth style read-only tokens, but it's not like my 403b is selected based on security principles.

Plaid basically does just this, though as an API. And it doesn't support thousands of banks but just a few major ones.

I've been using Mint for this purpose and so far it almost meets my expectation. The automatic categorizing works well.

Quicken attempts automatic categorizing, but botches it so badly I have to fix 90% of them manually.

I'm not sure if you are being coy but didnt Zenbooks get sued or attacked by some banks for doing exactly that?